Honestly it depends...My first car I was financed though GMAC with no issues. I went to one dealership for a camaro and GMAC turned me down (My credit score is about 750). Basically they wanted me to put down an additon 8,000 plus my trade in, and I said "screw that noise"
. Then I went to another dealer ship about 45mins away and the finance manager got me approved for GMAC with 7.00% intrest rate and I put down 5,500 plus my trade in. I think it depends who is willing to work with you. I am hoping to refinance my car though USAA in a year with a lower intrest rate. My issue is my credit is only 3 1/2 yrs old.